Brian Lardner

Contact Us

Brian Lardner

Templeton, CA

805-434-5226

Not All Home Loans are Created Equal

As an experienced mortgage broker we know that home loan programs and guidelines are constantly changing, and even though there is now a wide range of sources for home mortgages and home mortgage rates, all loans are not created equal.

Buying or refinancing a home may be one of your largest financial decisions. We are here to assist you with mortgage lenders for first-time-buyer home loans that will get the best home mortgage rates.

These are some of the questions frequently asked of us that can be used to build a basis for comparison of mortgage lenders:

What type of mortgages do you offer?

What are the current mortgage rates for each?

How much are closing costs?

What will be required for a down payment?

Are there special programs for first time homebuyers?

How do we apply?

Call Brian Lardner for more information on how we can offer the best mortgage rates for a home loan.

Finding the Home Mortgage Rates That Work for Your Budget

Our recommendation for first time buyer home loans is to search for terms you can live with.

For example, offerings by mortgage lenders with the lowest interest rate for home loans may not work for your budget if the minimum down payment exceeds the amount you have available.

We are here to assist you in choosing the best combination of costs such as:

Down payment

Closing costs

Prepaid expenses

Monthly payments for total principle and interest

Private mortgage insurance if necessary

All of this may seem overwhelming to you as a first time home buyer seeking the best home mortgage rates for home loans.

As an experienced mortgage broker we recommend letting us help you select the right product for your needs.

We Work With Several Mortgage Lenders

We have a successful history as mortgage brokers working with several reputable mortgage lenders to secure home loans at low home mortgage rates.

Our goal is to offer potential home buyers with the loan product and mortgage rates that most suitably meet your needs at the best price.

When working with us you can be assured that we have covered the bases in terms of working with highly-reputable lenders, such as:

Checking their credentials

Finding a balance between great home mortgage rates and reasonable closing costs

Seeking the best options for home loans

Ensuring a smooth loan process

Call Brian Lardner for a mortgage broker you can trust with handling one of the largest financial transactions you will make in your lifetime. (805) 434-5226